Jupiter Lend vs Liquidium

How Jupiter Lend vs Liquidium compare on our ratings, lending protocol specs, funding, pros and cons.

Feature	Jupiter Lend Visit	Liquidium Visit
Ratings
Our score	4.0/5	3.4/5
User rating	No reviews yet	No reviews yet
Security & track record	4.5	3.0
Rates	4.0	3.5
Market depth	3.5	3.0
Ease of use	4.5	4.0
Decentralization	3.5	3.5
Specs
KYC required	No	No
Lending model	Pooled	Pooled
Chains	Solana	Other
Main collateral assets	Not disclosed	BTC, ETH, USDT, USDC, ICP
Audited	Yes	Not disclosed
Governance token	JUP	LIQ
Isolated markets	Not disclosed	No
Real-world-asset collateral	Not disclosed	No
Own stablecoin	Not disclosed	No
Rates	Variable	Variable
Company
Founded	2025	2023
Headquarters	—	—
Investors	Not disclosed	AGE Fund, Asymmetric Ventures, CMS Holdings, DeGods +11
Strengths and weaknesses
Pros	Over $1B in total value locked across Solana lending markets Security reviewed by Certora, OtterSec, Neodyme, and Code4rena Requires no KYC or account registration to lend or borrow Native mobile app integration allows managing positions on smartphones	Direct native Bitcoin and Ethereum deposits without third-party centralized bridges Simple Loans require no account sign-in or wallet connection to access liquidity Max LTV up to 65% for BTC and ETH collateral with a modest 5% liquidation penalty Supported by $4.0M in equity funding from established crypto investment firms
Cons	Restricted exclusively to the Solana blockchain ecosystem Variable borrowing rates can spike sharply during periods of high utilization Borrowers risk automated liquidation if collateral asset values decline	Upfront 0.5% activation fee added to debt on every new loan Borrowing rates surge sharply when pool utilization passes the 92% kink Supplied collateral cannot be directly sold or swapped inside the app to settle debts Reliance on ICP Chain Key canisters adds underlying infrastructure counterparty risk
Best for	Solana DeFi yield depositors, Traders borrowing against crypto collateral, Mobile users seeking onchain lending	Long-term Bitcoin holders seeking stablecoin liquidity, Borrowers avoiding manual wrapped token bridges, DeFi users seeking non-custodial cross-chain loans

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